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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $192,317 | $53,162+261.8% | $91,227+110.8% | $68,490+180.8% |
| Participation rate | 64.5% | 63.2%+1.3pp | 73.2%-8.7pp | 67.9%-3.4pp |
| Annual return | -12.11% | -3.14%-9.0pp | 114.14%-126.2pp | -7.85%-4.3pp |
| Employer contribution / active EE | $0 | $1,709-100.0% | $2,851-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,844 | $2,974+96.5% | $4,234+38.0% | $4,028+45.1% |
| Admin fee / account holder | $19,566 | $4,493+335.4% | $5,423+260.8% | $5,403+262.1% |